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4 Cherry Hill Street, Albany, NY, 12202

2beds
1baths
1,420sqft
$184,900
$130price/sqft
$1,571/moest. monthly cost
$62,840/yrincome needed

About This Home

Multiple Offer Deadline - Friday 8/7 @ 5:00 p.m. This charming home is a hidden gem! Tucked away on a rare triple lot totaling nearly a quarter acre, it offers a peaceful retreat with wooded privacy, humble gardens, and a level backyard designed for relaxing and enjoying the bird songs. Despite its tranquil setting, you're just minutes from all the restaurants, shops, entertainment, and conveniences of downtown Albany. Inside, you're welcomed by a cozy living room equipped with a gas stove - perfect for warming up on those snowy winter days. The kitchen and dining room are open together and features a breakfast bar and ample space for chatting over lunch with friends or a loved one. The downstairs bathroom includes washer and dryer hookups for convenience. The highlight of the home is the bright and inviting sunroom, complete with skylights that fill the space with natural light and provide access to the rear deck--perfect for morning coffee, that evening glass of wine or the perfect office/studio for work or art. Additional highlights include off-street parking, a detached 1-1/2 car garage with overhead storage loft, and a recently repaved driveway. As an added bonus, the property backs up to the historic Cherry Hill Mansion estate, providing peace of mind and the perfect neighbor. If you've been searching for privacy, charm, and convenience all in one, this house is ready to welcome you home.

Getting Around

42
WalkingCar-Dependent
45
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

4/10
Albany High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rubber,Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style,Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Oven,Range,Refrigerator
  • Laundry features: In Bathroom,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Interior Entry,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Solid Surface Counters
  • Door features: French Doors,Sliding Doors
  • Window features: Skylight(s)
  • Flooring: Vinyl,Carpet
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,420

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,420
  • Total interior livable area: 1,420 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Sun Room

  • Level: First

Property

Details

  • Parcel number: 010100 76.80241
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Deck,Patio
  • Fencing: Wire,Partial

Lot

  • Lot size: 10,454 sqft
  • Features: Cleared

Parking

  • Total spaces: 4
  • Parking features: Off Street,Paved,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Albany County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $934$11,208
Home Insurance *$130$1,560
Property Taxes $261$3,132
Electricity $246$2,954
Total$1,571$18,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,862/yr
40% on housing$47,130/yr
45% on housing$41,893/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: -5.7%
-5.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 12202$132
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12202$127
Albany County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$184,900
2026-08-01Listed for sale$184,900
2002-07-31Sold$78,000

For Sale by Agent

AgentBradley Laustrup
BrokerageProperly

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